Millions of Americans receive Medicare benefits under the age of 65 due to disability. If you’ve been receiving disability benefits through Social Security or the Railroad Retirement Board (RRB), or have been diagnosed with certain illnesses, you may be eligible for Medicare.
Medicare Benefits Solutions
May 4, 2020
You may qualify for Medicare if you’ve been getting disability benefits from Social Security for 24 months or if you have been getting certain disability benefits from the RRB for 24 months. If this is the case, you’ll automatically be enrolled in Medicare in your 25th month of disability. You’ll even get your Medicare identification card in the mail three months before your 25th month of disability.
If you’re diagnosed with ALS, also known as Amyotrophic Lateral Sclerosis or Lou Gehrig’s disease, you will automatically get Medicare Part A and Part B the month your disability benefits begin.
If you’re diagnosed with ESRD (end-stage renal disease), your kidneys no longer work, and you need regular dialysis, you’ll qualify for Medicare as long as you’ve worked the required amount of time under Social Security, the RRB, or for the government. You may also qualify if you’re already getting Social Security or RRB benefits, or if you’re the spouse or dependent child of a person who meets those requirements.
If you’ve been getting disability benefits from Social Security or the Railroad Retirement Board, you will have a 7-month Initial Enrollment Period when you can sign up for a Medicare Advantage plan. This period begins three months before your 25th month of disability and ends three months after your 25th month.
Some insurance companies offer Medicare Advantage Special Needs Plans (SNPs) that cater their coverage to specific chronic illnesses or circumstances. Some Special Needs Plans limit their membership to individuals who live in a skilled nursing facility or to people who are dual-eligible for both Medicare and Medicaid.
Compare the options offered in your area to find the plan that will suit your needs. Review the plans offered in your area, but don’t hesitate to ask for help if you have questions along the way. Licensed, knowledgeable sales agents are available to help you navigate your options and enroll.
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By submitting information on this website, you authorize Medicare Benefits Solutions, herein after referred to as “Medicare Benefits”, which is a brand operated by HealthCompare Insurance Services Inc., its agents, or affiliates to contact you (even if you’re on a state or national do not call registry) at the phone number or email address you provide to discuss your Medicare Advantage, Medicare Part D (Drug) and Medicare Supplement plan options. The company may contact you through the use of an automated dialer or a prerecorded message. You understand that you are not required to authorize such marketing calls as a condition of purchasing a policy or receiving service and that you can change your permission preferences at any time.
Compare your current Medicare plan to our recommendations – then choose the plan that gives you more of the things you want.
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Contacting The Company: If you have Website questions, comments, or concerns, please email [email protected] Please include detail of your questions, comments or concerns and your complete name and contact information. You may also call our Customer Service team at (888) 956-7735 — TTY 711.
Categories of Personally Identifiable Information We Collect.
Medicare Benefits will receive and store information about you and your dependents (if applicable) such as name, address, gender, Social Security Number, age and answers to medical questions (if applicable) whenever this information is provided through these Websites. We may also obtain information about you from third parties such as your employer or insurance brokers who may utilize these Websites to do such things as request a quote for health insurance coverage or manage account activity online.
These Websites records the IP or internet protocol address of users who log on to facilitate use of these Websites. IP addresses are not linked to personally identifiable information.
Categories of Third Parties With Whom We May Share The Information We Collect
The information We collect through the Website and from other sources is used to provide quotations for health insurance coverage through Medicare Benefits’ health plan(s) and to provide other products and services to Our brokers. We may share information with Our contracting health plan carriers during the underwriting process, as well as affiliated businesses, when necessary to provide services through those companies. We may also release personally identifiable information when We believe that the release of such information is required by law or is necessary to protect the rights, property or safety of Medicare Benefits or others.
Review and Amendment Of Information Collected
If you would like to review and/or amend information We have collected about you, please contact our Medicare Benefits Help Desk at (888) 956-7735 — TTY 711. Requests to amend information must be made in writing via regular mail sent to:
Health Compare Insurance Services Inc., doing business as Medicare Benefits
1100 NW Compton Drive, Suite 200
Hillsboro, OR 97006
Or by email sent to: [email protected]
Medicare Benefits does not make warranties or representations regarding the security of Our content or user content. Data sent over the Internet may be intercepted by third parties; if you are concerned about the security of your data, you should not send it over the Internet.
Third Party Links
These Websites may contain links to third party websites. Medicare Benefits makes no representation regarding the content or accuracy of any website that you may access through these Websites. Medicare Benefits does not monitor and is not responsible for the content found on other websites that are linked from these Websites. Medicare Benefits does not imply endorsement, recommendation or sponsorship for any linked website or the services, products or advice described on the site, and Medicare Benefits shall have no liability for its content, including its accuracy, subject matter, quality or timeliness, or any personal information that you provide to such site. USE OF SUCH SITE IS AT YOUR OWN RISK. The views, opinions, statements, offers or other information or content expressed therein are those of the respective author(s) or distributor(s), not of Medicare Benefits.
Children's Privacy Protection
These Websites are not designed for or intentionally targeted at children 13 years of age or younger. We will not collect information regarding children 13 years of age or younger unless that information is provided by or with the consent of their parents or guardians.
Notification of Changes
We believe the information provided on these Websites is accurate and We make every effort to minimize errors. However, We cannot absolutely guarantee the accuracy of the information provided. If you find an error, or any inaccuracy, please inform us as soon as possible.
Contact Information Regarding These Websites
If you have Website questions, comments, or concerns, please email [email protected] Please include detail of your questions, comments or concerns and your complete name and contact information. You may also call the Help Desk at (888) 956-7735 — TTY 711, or call our Customer Service team at (888) 956-7735 — TTY 711.
Medicare Benefits Solutions is a non-government website. The www.medicarebenefits.com website provides information on Medicare-approved HMO plans, PPO plans, PFFS plans, POS plans, prescription drug plans offered by Medicare-approved Part D sponsors, and information on certain Medicare Supplement Insurance plans. Medicare Benefits Solutions, herein after referred to as “Medicare Benefits”, which is a brand operated by Health Compare Insurance Services Inc., represents multiple plans in most markets. To see plan specific information and disclaimers please enter the required fields by selecting the “Find A Plan” option above.
The benefit information provided is a summary, not a comprehensive description of benefits. To obtain information from the health plan, call (888) 956-7735 — TTY 711 and a Medicare Benefits Licensed Sales Agent can provide you with the customer service telephone number for the health plan from whom you would like to request benefit information. Printed materials may be available in alternative formats or languages. Benefits, formulary, pharmacy network, 'premium and/or copayments/coinsurance may change on January 1, of each year. Plans may not be available to you the following contract year because by law, plans can choose to not renew their contract with the Centers for Medicare and Medicaid Services (CMS) or reduce their service area, and CMS may also refuse to renew the contract, thus, resulting in a termination or non-renewal of the health plan. You must continue to pay your Medicare Part B premium. Limitations, 'copayments, and restrictions may apply. Individuals must have both Part A and Part B to enroll in a MA or MA-PD plan. Members may enroll in the plan only during specific times of the year. You may enroll when you first become eligible for Medicare. In 2011 and subsequent years, you may enroll during the annual election period from October 15 through December 7. You may also enroll in special situations such as if you move, become eligible for Medicaid or Medi-Cal (CA), qualify for Extra Help to pay for your prescriptions, or if you live in an institution.
For some MA and MA-PD plans, you must receive all routine care from plan providers. You must use plan providers except in emergency or urgent care situations. If you obtain routine care from out-of-network providers neither Medicare nor your health plan will be responsible for the costs. For PPO, RPPO, and POS plans, it may cost more to get care from out-of-network providers, except in an emergency or for urgent care. A Medicare Advantage Private Fee-for-Service plan works differently than a Medicare Supplement Insurance plan. 'For certain Medicare Advantage Private-Fee-for-Service plans, your provider is not required to agree to accept the plan's terms and conditions, and thus may choose not to treat you, with the exception of emergencies. If your provider does not agree to accept the plan's payment terms and conditions of payment, they may choose not to provide health care services to you, except in emergencies. If this happens, you will need to find another provider that will accept the plan's payment terms and conditions. Providers can find the plan's terms and conditions on each plan's website. 'For other types of Medicare Advantage Private-Fee-For-Service plans, some plans have network providers (that is, providers who have signed contracts with our plan) for all services covered under Original Medicare and some plans have network providers for only certain services covered under Original Medicare. These providers have already agreed to see members of the plan. If your provider is not one of the network providers for a specific plan, then the provider is not required to agree to accept the plan's terms and conditions, and thus may choose not to treat you, with the exception of emergencies. 'If your provider does not agree to accept the plan's payment terms and conditions, they may choose not to provide health care services to you, except in emergencies. If this happens, you will need to find another provider that will accept the plans payment terms and conditions. Providers can find the plan's terms and conditions on each plan's website. Benefit information is available in alternate formats or languages from the health plan or insurance company offering the plan. Call (888) 956-7735 — TTY 711 and a Medicare Benefits licensed sales agent can provide you with the customer service telephone number for the health plan from whom you would like to request benefit information in an alternate format or language. 'For some plans, Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
In general, you must use network pharmacies to access their prescription drug benefit, except in non-routine circumstances, and quantity limitations and restrictions may apply. You may be able to get Extra Help to pay for your prescription drug premiums and costs. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week; the Social Security Office at 1-800-772-1213 between 7:00 a.m. and 7:00 p.m., Monday through Friday. TTY users should call 1-800-325-0778 or your Medicaid Office. Each plan with a prescription drug benefit will have a formulary, or list of drugs covered by the health plan. Formularies may change during the year. For drugs that are not covered, health plans have a process to request an exception for the non-covered drug. Plans with a prescription drug benefit cover both brand name drugs and generic drugs. Generic drugs have the same active-ingredient formula as a brand name drug. Generic drugs usually cost less than brand name drugs and are rated by the Food and Drug Administration (FDA) to be as safe and effective as brand name drugs. Certain drugs may be covered under Medicare Part B or Part D depending upon the circumstances. Information may need to be submitted describing the use and setting of the drug to make the determination.
By submitting information on this website, you authorize Medicare Benefits Solutions, herein after referred to as “Medicare Benefits”, which is a brand operated by Health Compare Insurance Services Inc., its agents, or affiliates to contact you (even if you’re on a state or national do not call registry) at the phone number or email address you provide to discuss your Medicare Advantage, Medicare Part D (Drug) and Medicare Supplement plan options. The company may contact you through the use of an automated dialer or a prerecorded message. You understand that you are not required to authorize such marketing calls as a condition of purchasing a policy or receiving service and that you can change your permission preferences at any time.
HealthCompare Insurance Services, Inc. is a licensed and certified representative of Medicare Advantage HMO, PPO and PFFS organizations and Medicare Prescription Drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal.
HealthCompare Insurance Services, Inc. is a licensed, authorized agent of: Anthem Blue Cross of California, Anthem Blue Cross of Colorado, Anthem Blue Cross of Connecticut, Anthem Blue Cross of Georgia, Anthem Blue Cross of Indiana, Anthem Blue Cross of Kentucky, Anthem Blue Cross of Maine, Anthem Blue Cross of Missouri, Anthem Blue Cross of New Hampshire, Anthem Blue Cross of Nevada, Anthem Blue Cross of New York, Anthem Blue Cross of Ohio, Anthem Blue Cross of Virginia, Anthem Blue Cross of Wisconsin, Blue Cross Blue Shield of Illinois, Blue Cross Blue Shield of Montana, Blue Cross Blue Shield of New Mexico, Blue Cross Blue Shield of Oklahoma, Blue Cross Blue Shield of Texas, Capital Blue Cross of Pennsylvania, Highmark of West Virginia, Premera in Washington, Premera in Alaska, UnitedHealthcare and Vibra in Pennsylvania.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.
For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov
The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity, or religion. To learn more about a plan’s nondiscrimination policy, please click on the carrier’s link below:
Aetna, Anthem Blue Cross and Blue Shield, Blue Cross Blue Shield - Illinois, Blue Cross Blue Shield - Montana, Blue Cross Blue Shield - New Mexico, Blue Cross Blue Shield - Oklahoma, Blue Cross Blue Shield - Texas, Blue Shield of California, Capital Blue Cross, Cigna Health Spring, Global Health, Highmark, Humana, Premera Blue Cross, SCAN, Scott & White, UnitedHealthcare, Vibra Health Plan